How do you treat your insurance renewal email? It could be costing you more than you think — in some cases, twice over. Here's what's really going on, and why five minutes of checking now could save you a lot more than money down the line. The FCA's 2020 market study found that home [...]
The holiday season is almost here. While you're busy booking flights and planning days out, there's one thing that often gets forgotten before you head off: whether your home insurance will protect you while you're away. Spoiler alert: it might not be as watertight as you think. Here’s a quick roundup of things to [...]
We might be using summer as a helpful prompt to get you organised, because really, all of these policy extras are very important throughout the year. However, if you are like us, summer is a great motivator to get everything sorted so you can sit back and relax. This is especially true if you [...]
Do you own a house that is sitting empty? Whether it's awaiting sale, between tenants, undergoing renovation, or simply sitting vacant during probate… this is something we should talk about. Unoccupied properties are one of the fastest-growing areas of risk we're seeing right now. Many owners don't realise they may already have a gap [...]
The UK insurance market continues to evolve, shaped by technology, climate pressures and regulatory changes. While the fundamentals of protection haven’t changed, how insurers price and deliver cover for your home, car, business, and family are evolving quickly. Let’s dive in! More Personalised Pricing: Insurers continue to refine usage-based, data-driven pricing, particularly in car [...]
January is a natural time to get organised. Budgets are under review, paperwork is being sorted, and many people are looking for ways to rebalance monthly spending. One area that often benefits from a quick check at this time of year is general insurance. Particularly, home, contents and car cover. These policies are usually [...]
When it comes to health insurance, many people think only about hospital treatment, consultations, or outpatient care. But today’s providers offer far more, from everyday wellbeing support to unexpected perks that can make your life healthier, and easier. As your adviser, I want to help you understand not just what’s covered, but what value [...]
Regularly reviewing your insurance policies ensures your cover remains accurate and up to date. As circumstances change – such as income, property value, dependents, or lifestyle – your insurance needs may shift too. A periodic review helps identify any gaps in coverage, prevent over- or under-insuring, and confirm that premiums and benefits still offer [...]
We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be when a claim is denied. While insurance is designed to provide financial protection, there are specific circumstances under which a claim may not be paid out. So, we’ve put together a fact sheet to help [...]
You may have heard the terms “Protection” and “Insurance” (like critical illness insurance and life insurance). But have you wondered what the difference is? In the world of financial planning, the terms protection and insurance often get used interchangeably, but they’re not quite the same. Here’s a quick overview, but remember, speaking with us [...]
